At times a person uses his worries as an excuse for not accomplishing. He rationalizes his failure to take action by claiming he is afraid of potential danger. Ostensibly he claims that he is not doing what he should because it is dangerous. But the true reason for his inaction is laziness.
It is not fear that causes him to procrastinate, rather his tendency to procrastinate causes him to be afraid.
~ R’ Zelig Pliskin based on Mesilas Yeshorim, Ch. 9.